Visana or Mutuel in Region 1 of canton Grisons?
In Region 1, Mutuel is CHF 421.20 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 479.50 a month, Visana to CHF 514.60. The gap is CHF 421.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to Mutuel is worth CHF 310.80 more a year. Sanitas
Where they stand in the region
Visana ranks 19 and Mutuel ranks 9, out of 24 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Visana | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 612.60 | CHF 548.00 | + 64.60 |
| 500 | CHF 605.90 | CHF 536.50 | + 69.40 |
| 1'000 | CHF 571.80 | CHF 507.50 | + 64.30 |
| 1'500 | CHF 542.60 | CHF 478.00 | + 64.60 |
| 2'000 | CHF 513.40 | CHF 449.00 | + 64.40 |
| 2'500 | CHF 484.30 | CHF 420.00 | + 64.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| Family doctor | CHF 514.60 | CHF 498.70 |
| HMO practice | CHF 514.60 | CHF 482.30 |
| Other model | CHF 520.80 | CHF 479.50 |
| Free choice of doctor | CHF 612.60 | CHF 548.00 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.